Root Insurance announced a partnership with Freeway Insurance, the nation’s largest personal‑lines insurance distribution platform. The deal will embed Root’s data‑driven pricing and underwriting technology into Freeway’s multi‑carrier marketplace, giving Freeway’s customers access to Root’s auto‑insurance products through its online portal, call centers, and local retail offices across the United States.
The partnership follows a strong Q4 2025 earnings season in which Root reported a net income of $5.3 million, a sharp decline from $22.1 million in Q4 2024, but an EPS of $0.31 that beat the consensus estimate of –$0.14 by $0.45. The company also posted a combined ratio of 99.7, up from 91.5 in the prior year, reflecting a modest loss‑ratio increase amid higher investment in partnership acquisition and R&D marketing. Revenue for the full year 2025 reached $1.52 billion, a 29 % rise from 2024, and the company’s policies in force grew at the fastest rate among U.S. auto insurers, driven by strong demand in core segments.
Root’s CEO Alex Timm said the partnership “embeds insurance into high‑intent customer journeys and scales its technology moat.” By adding Freeway’s national reach, Root aims to capture a larger share of the U.S. auto‑insurance market while maintaining disciplined underwriting and loss‑ratio advantage. The deal also supports Root’s goal of operating in all contiguous states by 2027 and accelerates growth in the independent agent and retail channels that have become its fastest‑growing distribution segment.
Root’s technology, built on billions of miles of driving data and AI‑driven pricing, will be integrated into Freeway’s marketplace, allowing customers to receive faster quotes and a more personalized coverage experience. “By combining Root’s technology with Freeway’s distribution platform, we’re simplifying the insurance experience and making it easier for customers to find high‑quality, easy‑to‑quote coverage,” said Jason Shapiro, SVP of Business Development at Root. Darrin Silveria, Chief Sales Officer at Freeway, added, “Adding Root to our platform gives customers more options and helps us deliver faster, more personalized coverage that fits their needs and budget.”
Freeway Insurance, part of Confie, is the largest personal‑lines distribution platform in the country and primarily serves the non‑standard auto market, offering a multilingual agent base that is nearly 70 % multilingual. The partnership will allow Root to leverage Freeway’s extensive network of online, call‑center, and retail‑office channels to reach new customers while preserving Root’s data‑driven underwriting model.
The collaboration is expected to broaden Root’s distribution footprint, accelerate growth in independent agent and retail channels, and bring the company closer to its 2027 goal of nationwide coverage. The partnership also signals Root’s continued focus on scaling profitable unit economics through targeted state expansion, faster product iteration, and tighter loss control, reinforcing its competitive advantage in the increasingly digital auto‑insurance market.
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